More Than Car Insurance Review
More Than provides smart, modern insurance solutions with comprehensive coverage options. Known for their clear policy documentation and excellent digital services.
Company & Policy Details
Company Information
Established
2001
Underwritten by
Royal & Sun Alliance Insurance Ltd
Market Position
Customer Service Hours
Mon-Fri: 8am-8pm, Sat: 9am-5pm, Sun: Closed
Ratings & Performance
Claims Satisfaction
Financial Strength
A
Mobile App
Policy Features
No Claims Discount Protection
Up to 4 years
Telematics Option
Not available
Multi-Car Discount
Available
New for Old Replacement
Vehicles up to 1 year old
Uninsured Driver Promise
Included
Paperless Discount
Available
Key Benefits
- Unlimited cover for factory-fitted in-car equipment
- £5,000 personal accident cover as standard
- Misfuelling cover included with comprehensive policies
Available Features
Customer Service
Premium Range
From
£270.00
Average
£365.00
Cover Types
- Comprehensive
- Third Party Fire & Theft
- Third Party Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
33.3%
Frequently Asked Questions
What makes More Than car insurance different?
More Than offers unique features like misfuelling cover and child car seat replacement after accidents. They also provide clear, jargon-free policy documents.
What happens if I need to make a claim?
Claims can be made 24/7 through their UK claims line. More Than provides a dedicated claims handler and keeps you updated via your online account or email.
Are there any special features for young drivers?
More Than offers Smart Wheels telematics insurance for young drivers, which can help reduce premiums through safe driving.
What discounts does More Than offer?
Available discounts include no claims discount up to 70%, multi-car discount, and online booking discount. They also offer exclusive deals for existing customers.
In-Depth Provider Analysis
Expert Analysis: More Than Car Insurance
More Than is the consumer-facing insurance arm of the RSA Group, one of the UK’s oldest and most respected insurers. Known for its honest approach and straightforward policies, More Than aims to simplify car insurance for UK drivers. Their comprehensive cover often includes extras like windscreen cover and personal accident protection, which many competitors charge for. While not always the cheapest, More Than stands out for its customer-first philosophy, clear documentation, and solid financial backing.
Professional Editorial Review
More Than represents a practical, no-nonsense choice for drivers wanting decent coverage without the faff. It won’t appeal to tech lovers or bargain hunters, but it delivers value in a traditional way.
Market Position
Solidly mid-market provider with a reputation for honesty and stability.
Pricing Strategy
Mid-range – Offers fair pricing with inclusive benefits that justify the cost.
Who Should Consider More Than? A Detailed Analysis
Drivers who appreciate transparency, clear documentation, and built-in cover without having to purchase multiple extras.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Reputable brand with long-standing industry presence
Good balance between price and built-in benefits
Simple and honest approach to insurance
Ideal for standard car cover needs
Decent reviews for fairness in claims
Important Considerations
Not the cheapest option for basic cover
Fewer options for customisation compared to modular insurers
No black box options for young drivers
Limited mobile functionality
What Makes More Than Stand Out
Part of the RSA Group – trusted and long-established
Windscreen and personal accident cover included with comprehensive policies
No-claims bonus protection available
Straightforward claims process and documentation
Available via both direct and comparison routes
Claims Process Analysis
More Than offers a telephone and online claims process with high success rates for timely resolution. Repairs are managed through a UK-wide repair network, and courtesy vehicles are available when the policy includes them. Claims are typically resolved in 5–10 working days.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Customer service is reliable during business hours and praised for its clear explanations and straightforward support, though digital service channels are somewhat limited.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how More Than fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether More Than's approach aligns with your needs.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
These market statistics help put More Than's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a qualified insurance professional with over 8 years of experience in the UK insurance market. She specializes in motor insurance analysis and consumer advocacy.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 9/3/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About More Than
How does More Than compare to other budget insurers in terms of value for money?
More Than positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from More Than's claims process?
More Than offers a telephone and online claims process with high success rates for timely resolution. Repairs are managed through a UK-wide repair network, and courtesy vehicles are available when the policy includes them. Claims are typically resolved in 5–10 working days. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is More Than suitable for young or inexperienced drivers?
More Than can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is More Than for long-term coverage?
More Than has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like More Than work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofMore Than's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from More Than for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with More Than
How to Get Coverage
- Visit More Than's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact More Than directly for the most accurate and up-to-date quotes for your specific situation.